SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    Form 8-K

                                 CURRENT REPORT

                         Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934

                         Date of Report: April 16, 2001


                 CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION
        ----------------------------------------------------------------
                  (Originator of the Trust referred to herein)


                     CHASE MANHATTAN AUTO OWNER TRUST 1998-B
        ----------------------------------------------------------------
                                    (Issuer)
           (Exact name of the registrant as specified in its charter)


         United States                  333-36939                22-2382028
- ----------------------------     ------------------------    -------------------
(State or other jurisdiction     (Commission File Number)      (IRS Employer
of incorporation)                                            Identification No.)



          200 White Clay Center Drive, Newark, DE              19711-5466
          ---------------------------------------------       ------------
          (Address of principal executive offices)             (Zip Code)


Registrant's telephone number, including area code:  (302) 575-5000







Item 5.  Other Events:

         Chase Manhattan Auto Owner Trust 1998-B is the issuer of four
outstanding classes of Asset Backed Notes and a single class of Asset Backed
Certificates. The notes and certificates are serviced in accordance with the
Sale and Servicing Agreement, dated as of April 1, 1998, as amended. The parties
to the Sale and Servicing Agreement are: Chase Manhattan Bank USA, National
Association ("Chase USA"), as seller and as servicer, and Chase Manhattan Owner
Trust, as issuer.

         On April 16, 2001, Chase USA, as servicer, distributed monthly interest
to the holders of the notes and certificates. Chase USA furnished a copy of the
monthly statement to certificateholders for each of the series as required by
the Sale and Servicing Agreement. A copy of the monthly statement to
certificateholders is being filed as Exhibit 20.1 to this Current Report on Form
8-K.


Item 7(c).  Exhibits

                  Exhibits        Description
                  --------        -----------

                  20.1            Monthly Statement to Certificateholders with
                                  respect to the April 16, 2001 distribution.








                                   SIGNATURES



         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


Dated: April 27, 2001

                             By: CHASE MANHATTAN BANK USA,
                                 NATIONAL ASSOCIATION
                                   as Servicer


                             By: /s/ Patricia Garvey
                                 -----------------------------------
                                 Name:  Patricia Garvey
                                 Title: Vice President









                           INDEX TO EXHIBITS
                           -----------------

Exhibit No.                Description
- -----------                ------------
20.1                       Statement to Certificateholders dated April 16, 2001
                           delivered pursuant to Section 5.8 of the Sale and
                           Servicing Agreement dated as of April 1, 1998.